Home > Citicorp Trust Delaware > Performance and Condition Ratios
Citicorp Trust Delaware, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8972% | 3,291 |
Cost of funding earning assets | 0.0000% | 4,397 |
Net interest margin | 4.8972% | 355 |
Noninterest income to average assets | 41.8700% | 60 |
Noninterest expense to average assets | 35.9356% | 56 |
Loan and lease loss provision to assets | 0.0000% | 2,722 |
Net operating income to assets | 7.5080% | 51 |
Return on assets (ROA) | 7.5080% | 52 |
Pretax return on assets | 9.5133% | 53 |
Return on Equity (ROE) | 8.0100% | 2,860 |
Retained earnings to average equity (ytd only) | 8.0074% | 1,685 |
Net charge-offs to loans | 0.0000% | 2,326 |
Credit loss provision to net charge-offs | 0.0000% | 1,760 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
Efficiency ratio | 79.0681% | 1,005 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,373 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
Noncurrent loans to loans | 0.0000% | 3,787 |
Net loans and leases to total assets | 0.0000% | 4,354 |
Net loans and leases to deposits | 0.0000% | 4,363 |
Net loans and leases to core deposits | 0.0000% | 4,352 |
Total domestic deposits to total assets | 0.0000% | 4,428 |
Equity capital to assets | 93.5907% | 68 |
Core capital (leverage) ratio | 92.8145% | 32 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 478.0725% | 11 |
Memoranda: | ||
Average total assets | $24,933,500 | 4,370 |
Average earning assets | $18,214,500 | 4,365 |
Average equity | $23,378,500 | 2,801 |
Average total loans | $0 | 4,354 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9131% | 1,422 |
Cost of funding earning assets | 0.0000% | 4,414 |
Net interest margin | 5.9131% | 123 |
Noninterest income to average assets | 44.4100% | 61 |
Noninterest expense to average assets | 37.3027% | 56 |
Loan and lease loss provision to assets | 0.0000% | 3,171 |
Net operating income to assets | 8.4478% | 48 |
Return on assets (ROA) | 8.4478% | 49 |
Pretax return on assets | 11.4803% | 48 |
Return on Equity (ROE) | 8.9900% | 2,467 |
Retained earnings to average equity (ytd only) | 2.9407% | 3,067 |
Net charge-offs to loans | 0.0000% | 3,099 |
Credit loss provision to net charge-offs | 0.0000% | 2,577 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
Efficiency ratio | 76.4667% | 1,319 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 67.2753% | 912 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,399 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
Noncurrent loans to loans | 0.0000% | 3,787 |
Net loans and leases to total assets | 0.0000% | 4,378 |
Net loans and leases to deposits | 0.0000% | 4,387 |
Net loans and leases to core deposits | 0.0000% | 4,400 |
Total domestic deposits to total assets | 0.0000% | 4,451 |
Equity capital to assets | 93.9403% | 68 |
Core capital (leverage) ratio | 90.8074% | 31 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 480.1867% | 10 |
Memoranda: | ||
Average total assets | $24,633,600 | 4,399 |
Average earning assets | $18,213,800 | 4,389 |
Average equity | $23,158,000 | 2,755 |
Average total loans | $0 | 4,379 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1565% | 1,046 |
Cost of funding earning assets | 0.0000% | 4,453 |
Net interest margin | 6.1565% | 95 |
Noninterest income to average assets | 43.5000% | 58 |
Noninterest expense to average assets | 38.8799% | 54 |
Loan and lease loss provision to assets | 0.0000% | 3,009 |
Net operating income to assets | 6.4141% | 60 |
Return on assets (ROA) | 6.4141% | 62 |
Pretax return on assets | 9.1746% | 56 |
Return on Equity (ROE) | 6.8200% | 3,081 |
Retained earnings to average equity (ytd only) | 6.8216% | 1,803 |
Net charge-offs to loans | 0.0000% | 2,849 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
Efficiency ratio | 80.9079% | 1,022 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,432 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
Noncurrent loans to loans | 0.0000% | 3,830 |
Net loans and leases to total assets | 0.0000% | 4,409 |
Net loans and leases to deposits | 0.0000% | 4,418 |
Net loans and leases to core deposits | 0.0000% | 4,405 |
Total domestic deposits to total assets | 0.0000% | 4,481 |
Equity capital to assets | 94.9665% | 62 |
Core capital (leverage) ratio | 92.5590% | 35 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 485.3128% | 7 |
Memoranda: | ||
Average total assets | $24,632,500 | 4,427 |
Average earning assets | $18,213,250 | 4,420 |
Average equity | $23,161,250 | 2,744 |
Average total loans | $0 | 4,410 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2595% | 855 |
Cost of funding earning assets | 0.0000% | 4,464 |
Net interest margin | 6.2595% | 86 |
Noninterest income to average assets | 46.0900% | 55 |
Noninterest expense to average assets | 39.0562% | 56 |
Loan and lease loss provision to assets | 0.0000% | 2,867 |
Net operating income to assets | 7.9710% | 49 |
Return on assets (ROA) | 7.9710% | 50 |
Pretax return on assets | 11.6794% | 49 |
Return on Equity (ROE) | 8.5100% | 2,591 |
Retained earnings to average equity (ytd only) | 8.5061% | 1,228 |
Net charge-offs to loans | 0.0000% | 2,619 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 76.9799% | 1,375 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,450 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 0.0000% | 4,430 |
Net loans and leases to deposits | 0.0000% | 4,441 |
Net loans and leases to core deposits | 0.0000% | 4,455 |
Total domestic deposits to total assets | 0.0000% | 4,501 |
Equity capital to assets | 93.1076% | 71 |
Core capital (leverage) ratio | 92.9452% | 33 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 475.6795% | 14 |
Memoranda: | ||
Average total assets | $24,539,000 | 4,450 |
Average earning assets | $18,212,333 | 4,437 |
Average equity | $22,995,333 | 2,716 |
Average total loans | $0 | 4,430 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4135% | 639 |
Cost of funding earning assets | 0.0000% | 4,491 |
Net interest margin | 6.4135% | 88 |
Noninterest income to average assets | 48.4300% | 52 |
Noninterest expense to average assets | 40.8837% | 56 |
Loan and lease loss provision to assets | 0.0000% | 2,519 |
Net operating income to assets | 9.7791% | 44 |
Return on assets (ROA) | 9.7791% | 44 |
Pretax return on assets | 12.3725% | 46 |
Return on Equity (ROE) | 10.4000% | 2,008 |
Retained earnings to average equity (ytd only) | 10.4008% | 1,024 |
Net charge-offs to loans | 0.0000% | 2,236 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
Efficiency ratio | 76.7680% | 1,477 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,440 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
Noncurrent loans to loans | 0.0000% | 3,844 |
Net loans and leases to total assets | 0.0000% | 4,458 |
Net loans and leases to deposits | 0.0000% | 4,457 |
Net loans and leases to core deposits | 0.0000% | 4,479 |
Total domestic deposits to total assets | 0.0000% | 4,526 |
Equity capital to assets | 94.0351% | 69 |
Core capital (leverage) ratio | 93.1615% | 34 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 480.7003% | 10 |
Memoranda: | ||
Average total assets | $24,215,000 | 4,483 |
Average earning assets | $18,211,500 | 4,465 |
Average equity | $22,767,500 | 2,746 |
Average total loans | $0 | 4,458 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9475% | 680 |
Cost of funding earning assets | 0.0000% | 4,519 |
Net interest margin | 5.9475% | 116 |
Noninterest income to average assets | 47.0800% | 54 |
Noninterest expense to average assets | 43.0192% | 47 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 6.4057% | 56 |
Return on assets (ROA) | 6.4057% | 57 |
Pretax return on assets | 8.5231% | 56 |
Return on Equity (ROE) | 6.8000% | 3,328 |
Retained earnings to average equity (ytd only) | 1.0499% | 3,825 |
Net charge-offs to loans | 0.0000% | 2,917 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 83.4639% | 693 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 84.5659% | 480 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,458 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 0.0000% | 4,475 |
Net loans and leases to deposits | 0.0000% | 4,474 |
Net loans and leases to core deposits | 0.0000% | 4,493 |
Total domestic deposits to total assets | 0.0000% | 4,545 |
Equity capital to assets | 94.0091% | 65 |
Core capital (leverage) ratio | 89.4653% | 36 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 480.7659% | 11 |
Memoranda: | ||
Average total assets | $24,275,200 | 4,503 |
Average earning assets | $18,209,200 | 4,485 |
Average equity | $22,860,000 | 2,640 |
Average total loans | $0 | 4,477 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8505% | 645 |
Cost of funding earning assets | 0.0000% | 4,547 |
Net interest margin | 5.8505% | 119 |
Noninterest income to average assets | 48.0400% | 50 |
Noninterest expense to average assets | 42.4859% | 47 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 7.4631% | 54 |
Return on assets (ROA) | 7.4631% | 54 |
Pretax return on assets | 9.9307% | 52 |
Return on Equity (ROE) | 7.9200% | 3,204 |
Retained earnings to average equity (ytd only) | 7.9218% | 1,999 |
Net charge-offs to loans | 0.0000% | 2,666 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 81.0543% | 802 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,482 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 0.0000% | 4,500 |
Net loans and leases to deposits | 0.0000% | 4,499 |
Net loans and leases to core deposits | 0.0000% | 4,490 |
Total domestic deposits to total assets | 0.0000% | 4,578 |
Equity capital to assets | 95.2829% | 63 |
Core capital (leverage) ratio | 92.3586% | 28 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 486.8551% | 11 |
Memoranda: | ||
Average total assets | $24,368,250 | 4,531 |
Average earning assets | $18,208,750 | 4,514 |
Average equity | $22,957,250 | 2,625 |
Average total loans | $0 | 4,502 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6347% | 702 |
Cost of funding earning assets | 0.0000% | 4,571 |
Net interest margin | 5.6347% | 152 |
Noninterest income to average assets | 50.3500% | 46 |
Noninterest expense to average assets | 42.2654% | 47 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 9.2584% | 45 |
Return on assets (ROA) | 9.2584% | 45 |
Pretax return on assets | 12.3198% | 43 |
Return on Equity (ROE) | 9.8700% | 2,745 |
Retained earnings to average equity (ytd only) | 9.8658% | 1,444 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 77.4301% | 1,050 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,517 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
Noncurrent loans to loans | 0.0000% | 3,848 |
Net loans and leases to total assets | 0.0000% | 4,533 |
Net loans and leases to deposits | 0.0000% | 4,532 |
Net loans and leases to core deposits | 0.0000% | 4,550 |
Total domestic deposits to total assets | 0.0000% | 4,600 |
Equity capital to assets | 93.2580% | 68 |
Core capital (leverage) ratio | 93.7033% | 31 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 476.4130% | 10 |
Memoranda: | ||
Average total assets | $24,237,333 | 4,558 |
Average earning assets | $18,208,667 | 4,542 |
Average equity | $22,745,333 | 2,644 |
Average total loans | $0 | 4,533 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4259% | 693 |
Cost of funding earning assets | 0.0000% | 4,615 |
Net interest margin | 5.4259% | 163 |
Noninterest income to average assets | 47.3000% | 51 |
Noninterest expense to average assets | 41.6151% | 51 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 7.3833% | 50 |
Return on assets (ROA) | 7.3833% | 51 |
Pretax return on assets | 9.8332% | 48 |
Return on Equity (ROE) | 7.8400% | 3,330 |
Retained earnings to average equity (ytd only) | 7.8419% | 2,265 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 80.8871% | 772 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,580 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
Noncurrent loans to loans | 0.0000% | 3,889 |
Net loans and leases to total assets | 0.0000% | 4,605 |
Net loans and leases to deposits | 0.0000% | 4,604 |
Net loans and leases to core deposits | 0.0000% | 4,587 |
Total domestic deposits to total assets | 0.0000% | 4,642 |
Equity capital to assets | 93.9142% | 23 |
Core capital (leverage) ratio | 93.3303% | 30 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 464.7191% | 13 |
Memoranda: | ||
Average total assets | $23,837,500 | 4,618 |
Average earning assets | $18,209,000 | 4,609 |
Average equity | $22,443,500 | 2,686 |
Average total loans | $0 | 4,605 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2845% | 4,569 |
Cost of funding earning assets | 0.0000% | 4,648 |
Net interest margin | 2.2845% | 4,438 |
Noninterest income to average assets | 46.3000% | 53 |
Noninterest expense to average assets | 38.7175% | 46 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 6.9394% | 54 |
Return on assets (ROA) | 6.9394% | 53 |
Pretax return on assets | 9.2328% | 50 |
Return on Equity (ROE) | 7.3300% | 3,559 |
Retained earnings to average equity (ytd only) | -5.2247% | 4,576 |
Net charge-offs to loans | 0.0000% | 2,620 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 80.7451% | 663 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 171.2329% | 58 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,606 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 0.0000% | 4,635 |
Net loans and leases to deposits | 0.0000% | 4,634 |
Net loans and leases to core deposits | 0.0000% | 4,617 |
Total domestic deposits to total assets | 0.0000% | 4,674 |
Equity capital to assets | 94.3961% | 22 |
Core capital (leverage) ratio | 86.4682% | 44 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 466.9609% | 14 |
Memoranda: | ||
Average total assets | $25,247,000 | 4,644 |
Average earning assets | $18,209,800 | 4,641 |
Average equity | $23,886,400 | 2,647 |
Average total loans | $0 | 4,639 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.5962% | 4,654 |
Cost of funding earning assets | 0.0000% | 4,686 |
Net interest margin | 1.5962% | 4,629 |
Noninterest income to average assets | 45.6900% | 51 |
Noninterest expense to average assets | 32.5659% | 53 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 10.7133% | 43 |
Return on assets (ROA) | 10.7133% | 40 |
Pretax return on assets | 14.2550% | 40 |
Return on Equity (ROE) | 11.3200% | 2,261 |
Retained earnings to average equity (ytd only) | 11.3177% | 964 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 69.5541% | 1,816 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,653 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
Noncurrent loans to loans | 0.0000% | 3,992 |
Net loans and leases to total assets | 0.0000% | 4,679 |
Net loans and leases to deposits | 0.0000% | 4,678 |
Net loans and leases to core deposits | 0.0000% | 4,661 |
Total domestic deposits to total assets | 0.0000% | 4,716 |
Equity capital to assets | 94.7241% | 22 |
Core capital (leverage) ratio | 96.3361% | 23 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 483.0842% | 10 |
Memoranda: | ||
Average total assets | $25,674,500 | 4,675 |
Average earning assets | $18,210,000 | 4,678 |
Average equity | $24,303,500 | 2,667 |
Average total loans | $0 | 4,681 |